Most people know they need insurance, but because of the complexities of the industry, they shy away because they don’t understand.  We help educate you on insurance, highlight the risks you bear, understand what insurance is relevant to your situation, show the benefits of one product versus another, and demonstrate transparency in the relative costs involved. 

There are four types of personal insurance everyone should be aware of:

• Income Protection - How would you support yourself and your family if you couldn't work for a while? Income protection insurance insures your ability to earn an income, your greatest asset.

• Total and Permanent Disablement (TPD) - How would you pay off your debts if you couldn't work again? TPD cover provides you with a lump sum payment to help you financially if you were to become disabled and unable to work again.

• Trauma Cover - How would you pay for the extra expenses of treatment while still supporting your family if you were to have a stroke or heart attack or be diagnosed with cancer? After suffering a traumatic event, trauma cover can relieve your financial worries and let you focus on your recovery by paying an agreed lump sum if you're diagnosed with a life-threatening medical condition.

• Life Insurance - How would your dependents support themselves and pay off debt if you passed away? Life insurance, also known as death cover, is especially important for those that have others relying on them, or have large debts like a mortgage.

Choosing the right type and the right amount of insurance can help to make sure that if anything were to happen, you and your loved ones would be looked after financially.

But remember, as your life changes so do your insurance needs. Holding a mortgage, having children and getting married are all factors that increase your financial responsibilities. So you’ll need to review your cover as your situation changes.